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Edgefield Advertiser
\ THTOS. J. ADAMS,.EDITOR
THURSDAY, ATRIL 27,1893.
The Supreme Court of the United
States has decided the rai hoad tax
cases against the State. Next
week we will publish the text of
this decision in full.
An extra session of Congress in
September, so says vice-President
Stevenson.
In the next Congress-House
the Democrats will have 220, the
' Bepublicans 127, and the Third
partyiteB 8.
Postmaster General Bissell says
. Republican postmasters will be
allowed to serve out their terms of
?j four years.
The visible supply of cotton
in the world is 3,808,183
bales. American crop of 1893 up to
date is 6,156,254.
?W. L. Doughlas, the man who
makeB the Douglas shoe is a
candidate for Governor of
Massachusetts. He is a Democrat.
The increase in the phosphate
industry in this State during the
past few monthB has been mar
vellous.
The Columbia State of Monday
said that the railroad cases would
be decided on that day and ad
versely to the State.
Gov. Tillman says M. L. Donald
son, president of the State
Alliance, is a traitor to the Alli
ance and the people.
The gold reserve haB been
trenched upon by Secretary
Carlisle, but restored to its
original status by purchases from
bankers.
President Cleveland has an
- nounced that no more appoint
ments will be made until the ap
plicants had all gone home and
gone to plowing.
According to experiments at
Clemson College the past year acid
phosphate made better returns
than any other fertilizer used and
a number of kinds were experi
mented with.
It has been charged, and not
contradicted, that all the railroads
gave free passes to delegates who
attended the Wire Workers' League
which met in Columbia on the
9th-delegates from only 18 coun
ties attended the Wiro Workers'
League-?nrere1t>agaTene7" "
There is talk in railroad circles 1
that Receiver Chamberlain of the ;
South Carolina Railroad, is to be 1
made receiver of the Richmond 1
and Danville, which takes in half,
.probably more than half the rail- .
roads in the State. Chamberlain (
is getting his finger deeper and 1
deeper into the pie. In our opinion
he's the same old Chamberlain ;
that he ever was. He has changed
his plumage, that's all.
----T
STATE BANKS.
? The Legislature of the State of
Tennessee has passed an act ap
proved by the Governor, author- (
izing State banks to issue bills, '
money. The act requires a deposit '
of United States, State, or county 1
bonds and bills will be issued for f
the bank on these securities not to 1
exceed 90 per cent, of their market
value. The act limits the currency ]
to be issued by the State for these
banks to $25,000,000. Periodical 1
examinatious of these State banks,
a redemption of the currency and
other features of the national :
banking law are adhered to. A
bank must redeem its circulating
notes on demand in gold or silver. !
No county bonds will be accept
ed where the indebtedness of tho
county exceeds 5 per cent, of the
taxable property.
The circulating medium is to be
signed by the president and cashier
of the bank.
The act says: "The object sought
by this legislature being to fur
nish the citizens of this State'a
safe, sound, and trustworthy cur
rency, possessing sufficient elas
&ity to meet the demands of
mnuxacturing, farming, and busi
' interests and the exigencies
o. ' times-a currency based on
some o-,curities the stability and
sufficiency of which no one can
question or doubt, to be over-look
ed, supervised, and guarded by the
State's chief officer, for the benefit
and protection of the public."
Killing- Frosts.
MEMPHIS, Tenn., April 23.-Spe
cial telegrams last night to The
Appeal-Avalanche, from West
Tennessee and North Mississippi
and Arkansas, state that the frost
has killed the young cotton and
strawberries pretty generally. The
higher prices of cotton seed in
duced the farmers to dispose of all
ihey could spare, and it will be
impossible for them to get enough
fo replant.
Gov. Tillman's Reasons.
Cotton Plant.
The report having been circula
ted that-Gov. Tillman had asked
President Cleveland to not ap
point Mr. M. L. Donaldson to an
office, several County Alliances
passed resolutious asking Gov.
Tillman to give his reasons for
the action if the report were true.
Below we give the resolutions
passed by the Greenville County
Alliance and Gov. Tillman's re
ply as furnished The Cotton
Plant:
"Whereas, it has been stated in
the public press that Gov. B. R.
Tillman had written a letter to
Pr?sident Cleveland in which he
requested of the Presideat that
certain eitizens of this State be not
appointed to any Federal office at
home and abroad;, and whereas,
the name of the Hon. M. L.
Donaldson, the President of the
Farmers' State Alliance, is re
ported to have been one of those
blacklisted by Gov. Tillman.
"Be it Resolved by tho Green
ville County Alliance in regularly
quarterly meeting assembled, that
not having seen any denial of
said alleged blacklist, we deem it
but jnst to the honored President
of the State Farmers' Alliance as
well as to the order itself to take
cognizance of the ma} ter and take
such steps as are necessary to
learn from Gov. Tillman himself
whether the public statements as
to the blacklist referred to founded
on fact, or not.
"Resolved, That a commitiee of
three members of this County
Alliance be appointed to com
municate with Gov. Tillman and
request that he return answar
whether the newspaper reports of
said blacklist be true, aud if true
to furnish his reasons of given to
President Cleveland for his action
towards M. L. Donaldson, onr
State President."
Messrs. N. P. Whitmire, J. P. Ply 1er
and J. H. Latiraer, Committee :
Gentlemen-I have your letter
with the enclosed resolution pas
sed by the Greenville County Al
liance at its last meeting: "To
eommunicate with Gov. Tillman
and requeet that he return answer,
whether the newspaper reports of
said blaok-list be true, and if true
to furnish his reasons, as given to
President Cleveland, for his action
towards M. L. Donaldson, our
State President"
Similar communications have
been Bent to me from the County
Alliances of Pickens and of New
berry, and I shall furnish this
letter to The Cotton Plant as an
answer to all :
The effort appears J to be made
to link Mr. Donaldaon/as acittizen
of the Alliance, ?ndljpremise my
answer by saying that'the Alliance
has nothing to do with it, either
directly or indirectly, except
BO far as I felt justified in preven*
ting its further betrayal. To answer
your questions categorically, I
did ask Mr. Cleveland not to ap
point Mr. Donaldson to office.
My reasons were these-and
again they have no reference to
Mr. Donaldson's private charactor
but to hie public acts, and I dis
claim any feeling of personal
resentment or desire to injure
him:
Last spring when delegates were
sleeted to the May State conven
tion Mr. Donaldson was repudia
ted by the Democracy of Green
villa and he failed to be elected
EI delegate either to his County
sonvention or to State convention.
He appealed to friends in other
parts of the State to help him re
trieve his failing political fortune,
and a small caucus of leading
Alliancemen from other counties
went to work and had him elected
member of the National Committee.
It was presumed by the conven
tion at least that he was in full
sympathy with its opposition to
Mr. Cleveland, and certainly he
neither said nor voted for him.
You are familiar with the instruc
tions given our delegation to
Chicago and our action under
those instructions. We not only
voted against Mr. Cleveland, but
worked against him, with two
excetpions. Judge then our sur
prise on reaching Chicago to see
Mr. Donaldson in open affiieation
with the Cleveland leaders, striv
ing with might and main to de
feat the purpose ot the convention
which had elected him on the
Nations1. Committee.
Again, when the State Alliance
met shortly afterwards, to my
suprise I saw him elected President
of ths State Alliance. When I
asked an explanation I was told
that it was the only possible way
to defeat the candidacy of an
avowed "Third part}r man," and
that Mr. Donaldson had pledged
himself not to seek any office, but
to devote his energiee-to building
up the Alliance. I wasnot surprised
however when two weeks later
he entered the field as a candidate
for Stale Senator from Greenville,
feeling, I suppose, that the double
endorsement of the State conven
tion in May and the State Allaince
in July, would reinstate him at
home. But the people of Greenville
wete true to themselves and he
was not elected.
It will thus be seen that Mr.
Donaldson played false with the
May convention by his action at
Chicago, and broke his pledge, to
the leading Alliancemen, nofto
seek office.
Now, in addition to that, when
I remind you that Mr. Donaldson
as Senator, was the means of in
corporating in the railroad bill
in '91 the two objectionable
features which caused me to veto
it you cannot be surprised at my
action. It was upon his motion,
at the suggestion as I was told of
Bunch McBee, that the right of
appeal to the courts was put in
the bill. He also championed
that feature of the bill which kept
the election of Railroad Com
missioner in the hands of the
General Assembly, contrary to the
March platform," thus showing
his willingness to stifle the will of
the people. All of these things
taken together are sufficient as I
take it, to warrent my opposing
his appointment as a representa
tive of the ''Refrom Party," or 'of
the Alliance. Self-interest rather
than patriotism appears to have
governed his actions, and as the
Alliance has been sidetracked in
nearly ever ly other State by
self-seekers, and has been seriously
injured in this State from the
same cause I could not con
scientiously stand silent without
prostesiing against his being re
warded for treachery to the people
and to the Alliance.]
Regretting the necessity which
has forced a rehearsal of these
undisputed facts, which of them
selves ought to have prevented
Mr. Donaldson's elevation to the
position he holds, I will submit
to the verdict of the Reformers and
Alliancemen of the State as to the
wisdom and propriefy of my actioD.
Respectfully,
B. R. TILLMAN.
Mr. Ingalls as a Prophet.
A.tl::ut* Constitution.
Now, that ex-Senator Ingalls is
st statesman out of a job, he '
feels that he can afford to be very
frank and candid.
Tho Kansas orator in a rec nt
etter says that slavery and
lecssion sre dead dogmas. Hence- .
:orth the negro will no% hold the
mlance of power. There is a
'rowing hostility to war issues ]
md even the race problem is
tactically extinct. The negro c
nust take his chances with the j.
est. There will be no more force }
?ills t^jd no more civil rights c
^L^ingaTls goes on to say that C
he African can no longer be a t
lolitical factor, and with four a
ears of Democratic rule, c
Lnglo-Saxon supremacy will fc
lever again be disturbed. He n
ntimates that the suppression of b
he negro vote is all right, and fc]
uggests that under the same cir- ij
umstances it would be suppressed c
ti the north. As he puts it : n
"There will be no more politi- b
al campaigns fought in the ?
Tnited States upon the attitude of
be democratic party during the
rar, nor its relations to slavery a
nd secession, or reconstruction,
r the resumption of specie pay
lents, or the "disputed succession tl
o 1877. The dead past has buried J
ts dead. Social and economic ti
uestions are at the front. The P
?d us trial issue is the Aaron's s
od that has swallowed all the rest. n
'he masses have discovered that a
olitical equality does not bring ^
bout social fraternity ; that the
allot is not a medicine to cure all :
he diseases of the State, and that
he inequalities of fortune and
ank are as great under a republic
s an empire. In a country where
[berty is universal, education
.rovided for all and every citizen
he equal of every.other before the
aw, with an equal chance in the
truggleof life, many are called
Bw chosen ; one eats crnmbs and
rears rags, while another is clad
a fine linen and purple and fares
umptuously every day."
Mr. Ingalls is a very bright
?an, and the wonder is that he
lid not see the situation in i?s true
ight when he was a statesman
srith a job. But disappointment -
ind defeat sometimes clarify a
nan's ideas and give him a keener j
nsight into things. With so many -
>f the old issues out of the way, s
vhat will the republicans (make J
;heir fight on next time? They
will have to advocate a protective 1
tariff, the national banking system, '
! Len demonetization ofsilveraud ?
\ centralized goverment. They ;
must stand on this platform or
disband, and with such a platform
their defeat is a foregone conclu
sion.
Notice.
TF THERE is a Survivor of the
J. Florida-Semin?le war, who knew
Corporal Lewis Hill of Capt. nibblers
Company, S. Cf V" he will confer a
favor upon the widow and children of
the said Lewis Hill by writing to the
undersigned.
J. B. BURCKHALTER,
Attorney at Law,
Barnwell, S. C.
The Mutations Of Time.
Charleston Sun.
It has been stated in the pub
lie prints that Mr. R, G. Ward, th
author of the new Reform move
ment, known as the "Wage
Workers' League," is the nephew
of Judge Bond. We havo no
knowledge as to the truth of this
statemeut, and the fact, if true, so
far as we know, is not derogatory
to Mr. Ward. Judge Bond, we
have heard, has enjoyed social,
courtesies in this city which are
usually extended only to the best ;
but for reasons, which wo are too
young to be familiar with or to
appreciate, he is popularly and
politically damned in the State.
We believe he bad something to do
with putting, the South Carolina
Railway into chancery, something
to do with making ex-Governor
ChamberlainJReceiver thereof,with
two or three times the salary of an
ordinary railroad president, and
if the Messrs. Wards are his nep
hews the irresitible conclusion is
that he had something to with put
ting them in their present lucrative
positions in the retinue of the
railway. All of which, being little
given to prejudices as we are, we
regrad as a perfectly natural series j
of consequences.
But we must say that under]
such a train of circumstances Mr.
Ward has exhibited an astonishing
amonnt of hardihood in turning
aside from his duties as road?
master of the South Carol ina I
Rail-way to inspire and fopter in
the State to which he is so new,
and of which, by his own admis
sion, he is not even a eitzen a J
political movement whose only
hope of success lies in the pos-|
sibility of obtaining the support
of Ike masses from the mountains I
to the seaboard. The fact is chiefly
interesting for ?he remarkable
coincidence that seventeen years
aflcr his political downfal ex-Gov
ernor Chambelain i-i once more
installed hore in the enjoyment
of, perhaps, the mest munificent
revenues that are drawn
from a public or quasi-public
smployment in the State and
mould be in a positon apparently
to again assume the actual general
ship of a movement intended to
regain control et tho political
fortunes of the State.
Who Furnishes the Boodle?
'iedmont Headlight.
Agents are said to be traveling
?ver the country on free railroad
lasses, organizing "Industrial and
/Vage-Karners' Leagues in every
?? luBlSn* tfan^EfoiVt?
Columbia for delegates, and pay
heir hotel bills while in attend
nce on the convention. Now, the
onumdrum is, who is to foot these
.ills? The poor "wage-earners'"
aust have some strong financial
ackers. Rideout, who denounced
he Reformers as "a passel of
jn'rant farmers," is the chief
ook-and bottle-washer of the
lovement. Thc call was signed
y bar-keepers and railroad men.
A God-send to Me In This Time
of My Dire Necessity."
CURRYTON, S. C., March 20, '93.
[r. D. R. Durisoe, Agent Georgia
Home Insurance Company.
DEAR SIR: Allow me to thank you,
nd through you Mr. R. P. Spencer,
he Special Agent and Adjuster of
our Company, for the prompt pay
?ent of my loss in the recent destruc
?on of my residence by tire. The sum
aid, Fifteen Hundred Dollars, in full
f amount of policy, will be a God
end to me in this time of my dire
ecessity, and will euable me soon to
ive my wife and little ones a home
gain. Remaining your friend, and a
rell-wisher of the old reliable Georgia
[ome, I am, Yours truly,
E. J. BARKER.
gssssssssS
S Swift's Specific S
SA Tested Remedy fi
For All g
1 Blood and Skin ?
s Diseases s
SA reliable cure for Contagious G
Blood Poison, Inherited Scro
C fula and Skin Cancer. O
_ Asa tonic for delicate Women A
S and Children it has no equal. Jj
SBeing purely vegetable, is harm
less in its effects. W
SA treatise on Blood and Skin Dis
eases mailed FREE on application.
Druggists Sell lt. G
2 SWIFT SPECIFIC CO., J?
S Drawer 3, Atlanta, Ga. ' w
gssssssssS
New Grist Mill.
IUTY Grist Mill is now in operation,
LY1 and I will grind corn for my cus
;omers on Tuesdays, Thursdays, and
saturdays. Meal always on hand for
;ale or exchange.
G. G. LEWIS.
Sunday School Notice.
DELEGATES and Pastors, who in
tend to attend the Edgefleld
County Interdenominational Sunday
School Convention which convenes at
Bethlehem, May 4th mid 5th, wi)1 please
forward their names to the under
signed at once,
B. \\\ RUSHTON,
Johnston, S. C.
Information Wanted.
IF there is any person now living in
the county or State who was present
and witnessed the marriage of Lewis
Culbrealh and Rebecca Maguire on the
(5th day of November, 1842, by James
F. Patterson, near Richardsonville, or
has any knowledge of said marriage
beor she will confer a favor by ad
dressing the widow.
REBECCA CULBREATH,
Peachtree Park,
Fulton county, Gn.
CLOTHING,
SHOES, HATS,
Gents' Milli Goods.
We are now ready with our Spring
line of CLOTHING, SHOES, HATS,
and GENTS' FURNISHING GOODS.
We have the best and most complete
line of Clothing that we have ever
shown, consisting of
Mens, Boys, Yonths, Chiltas Snits.
Our Clothing is remarkably cheap,
considering quality of goods, fit and
finish.
SHOES.
We carry everything in Shoes that
is desired. We are selling Bay State
Shoes, which everybody knows to be
good. We also carry a full line of
Hamilton Brown Shoes, that will give
perfect satisfaction. We ask the ladies
to call and see our immense stock of
beautiful SLIPPERS, which we are
selling very reasonable.
H A T S.
All the latest styles in FELT and
STRAW, which we are selling cheaper
than can be bought in large cities.
SHIRTS .
Large assortment of NEGLIGEE
SHIRTS from 25.0 to very elegant
ones. A good WHITE SHIRT for
50.0. Also,beautiful PLAITED BOSOM
DRESS SHIRTS very cheap.
We carry a complete line of COL
LARS and CUFFS in the latest styles. |
Neckwear.
. Our stock of NECKWEAR is un
questionably the incest and cheapest
line we have ever shown. Beautiful
four-in-hand Ties for 25<?. Windsor
Ties from 5.0 cents to ?O?.
SUSPENDERS .
We sell tlie Harris Wire Buckle Sus
penders, one of the best that is made.
UNDER VESTS, Etc.
A large line of Summer Under Vests,
Hosiery, Gloves, Handkerchiefs, and
in fact everything a man wants.
All we ask of our friends ia to give
us a call. We will be glad to show you
our stock, knowing that weean save
you money.
EDGEFIELD, S. C.
Medical Card.
To whom it may concern-regardless
of color, race, or previous condition
of servitude :
TO you who never intend to pay,
come up like men and get your
notes, and [ will give you a full and
elear receipt, without money and with
out price.
To yell who intend to pay, call on
me on or before the 1st day of May.
By so doing you will save costs.
I return thanks for past patronage,
ind ask foi a continuance of the same.
Diseases of women and children, and
jhronic diseases a specialty.
My services at all times will be ren
iered to poor widows and orphan
.hil.lr.nr,,friyj O?J&WK^O, OT, Ul. JJ.
Fresh Meats.
M, Pork. Saisap, Motton,
Always on hand at my market, j
lext to Mr. D. T. Grice's Livery j
stables.
Patronage of the public solicited,
""air and square dealing in my
notto.
W. A. LIVINGSTON.
1 8 9 3 !
Headquarters
OGARS. ETC.
JAS. J. COBB is the manufac
turer's aent for the bestand cheap
est line of TOBACCO on the
market. Examine his prices.
Special pices given by the box in
10, 20 ant40 lb. lots.
J.M. Cobb
GEO.B, LAKE,!
RE^L EST/ITE
-IND -
INSHR^eEA6T,
Office overlie of Enfield.
s
JE
LA
P
sale
liou
Sou
31
nu
sale
raff
2r
I have just opd a 8|oc]- 0f lan
beautiful Spriiiand Summer J??J
Millinery at the c^tand, Mr. W. bou
H. Turner's store^ere I will be in?
pleased to see myonds and the ??jj
public. My stocln8?sts of all
kinds of Millinerjods, Paltcrn the
Hats and Novel, fhn most Sm?
Spring & Sniier Millinery.
Beaur?fui m Kars,
I CO VAR.
P
Under Execution ly United Stales
UNITED STATES OF AMERICA
DISTRICT OF SOUTH CAROLINA.
In the Circuit Court.
BY virtue of an Execution issuing out
of the United States Circuit Court
for the District of South Carolina, in
the cause entitled, "The D. A.. Tomp
kins Company, Plaintiff, against The
Edgefield Ginning, Milling, and Fer
tilizer Company, Defendant," and to
me directed, I nave levied upon and
will sell at public auction to the high
est bidder, in front of the Court House
at Edgefield, South Carolina, on Mon
day, the first day of May, 1893, at
ll o'clock in the forenoon of said day,
the following described property, to
wit :
All that piece, parcel, or lot of land
situate, lying, and being in the District
of South Carolina and in the town of
Edgefield, containing three acres,
more or less, bounded on the north, by
Norris Avenue Street; on the east, by
lot of Mrs. D. R. Durisoe, Sylvia
Thomas, and others; on south and
west, by lands of Dr J. W. Hill. And
all the buildings atd machinery ap
pertaining to said Company situate
thereon. The following is a descrip
tion of the property on said lot :
Buildings and machinery: three
engines, one 100-horse power, one 65
horse power, and one 5-horse power;
two boilers, 90-horse power each. And
all the machinery used in the manu
facture of cotton seed oil, ginning, and
milling machinery. Also a lot of cot
ton seed, about 200 bushels in one of
the buildings on said premises.
Plant is fitted up throughout with
the most modern machinery (diversi
fied power) and appurtenances for the
manufacture of cotton seed oil and for
ginning cotton.
Capacity of oil mill, thirty tons
daily. Capacity of ginnery, sixty bales
daily.
Buildings are of slow burning con
struction. Electric lights, with auto
matic sprinklers throughout.
TERMS: Cash.
C. r. CUNNINGHAM.
U. S. Marshal.
April 8,1S93.
Padgett Pays the Freight !
A large Illustrated Catalogue show
ing hundreds of destens of Furnltnre,
Stoves ami Baby Carriages will be
mulled free, if von mention this
imper. I Will Bell yOU KUKSITU RR,
etc.. Just HS cheap ?H you can buy
them In large cities, and pay the
freight-to your depot. ^
Here are H few Katti pies:
A No. 7 flat top Cooking Stove with
20 cooking utensils, delivered to any
depot, for |W 00
A 5-hole Cooking H _ with 20
cooking utensils, dell.vred to any
depot, .'or $13uu.
Alance line of Stoves in propor
tion. Special agent for Charter Oak
Stoves.
A nice Parlor Suit, upholstered in
2<><?<1 piuHh. fashionable colon, de
livered any where for 130.00. A large
line of Parlor Suits to select lrem.
A Bedroom Suit, large glass, big
lichtend, enclosed washstand, full
suit ft pieces; chairs have cane seats,
delivered auywhere for $22 00.
Other Suits both cheaper and more
expensive.
.? yds. of yd.-wlde Carpet for fl 50.
1 pair Nottingham Lace Curtains,
pole, 2 chains, 2 books, 10 pins, all
for $100.
A nice Window 8hade, 7 ft. long, 8
ft. wide,on Bpring rollers,with fringe
lor 80 cents.
No freight paid on Shades and Cur
tains unless ordered in connection
with other goods. cs
Send for Catalogue. Address
XV. 3T. PADGETT,
806 Broad Street, Augusta, Ga.
Master's Sale.
ATE OF SOUTH CAROLINA,
COUNTY OP EDGEFIELD.
Court Common Pleas.
>SE R. TIMMERMAN, Plaintiff,
against
URENCE E. KREPS, Defendant.
ISSUANT to the judgment of fore
closure in this case, I will offer for J
at public outcry before the court
se, town of Edgefield, and State of
th Carol i un, on salesday in
',1898, (being the 1st day of said
ith) between the legal hours of
, the following described mort
ed premises, to wit :
All that piece, parcel, or tract of
I in the said County of Edgefield,
State aforesaid, containing one
tired (100) acres, more or less, and
ided as follows: Cn the north, by
s of David Smith; on the sou: li,
inds of the estate of John Gog
?; on the east, by hinds of F. P.
h; and on tho wost, hy lands of
jstftte of John Wheeler and J, Ii.
h iq Coleman Township.
: HMS : Cash.
i reliase r to pay for papers.
NV. F. ROATH,
Master E. C.
- THE -
Union Mutual Life Insurance Company,
OIF1 ZFOiR/TL^lSriD, MAUSTE.
Incorporated, 1848.
Its Policies are the Most Liberal Now Offered
to the Public.
lethe only existing Company whose policies arc, orean be subject to the
MAINE NON-FORFEITURE LAW.
WHAT IT IS.
The Maine Non-Forfeiture law protects policies from forfeiture
by reason of default of payment of premiums. It provides that, after
three years' premiums have been paid, failure to pay any subsequent
premiums shall not forfeit a policy, but it shall continue in force for
its full amount until the reserve (less a small surrender charge) upon
the policy is exhausted.
The reserve is a sum made up of portions of each and every pre
mium paid upon a policy in anticipation of its maturity. Beginning
with a small portion of the first premium, it is increased each year by
the addition of each subsequent premium, and grows larger year by
year, until, at maturity, it &xactly equals the face of the poiicv. When
a policy is discontinued therefore, there is in the hands of the Com
pany a r>8ervo, greater or less, according to the character and age of
the policy. Instead of permitting the Company, upon non-payment
of premium, to confiscate this reserve, the Maine Non-Forfeiture Law
requires the Company to continue the policy in force until the policy
holder receives un equivalent for it in extended insurance.
How IT WORKS.
If a person, aged 35, pays three years' premiums upon a twenty
payment Life policy and then discontinues payment, the policy will
be continued 4 years and 257 days longer; if he pays five premiums,
and then discontinues, the insurance will continue 7 years and 357
days longer.
If the policy is a twenty year endowment, same age, three years'
payments will give an extension of 8 years and 150days; five years'
payment 13 years, 300 days. If the policy is a 15 Year Endowment,
($1,000) same age, three years' payments will secure insurance to the
end of the endowment period and $13.68 in cash if insured lives till
that time, and in like manner ten years' payments secures insurance
for the full 15 vears and $592.17 in cash.
These extensions vary with the age of the insured, 1he class of
policy, and the number of payments made; they are stated in each
PoliftV ij?-J?'?arB flnrL /Injr.c. -fnr. nno"h nivrnViar . n? p*ymoitfc| oO Unit, the
pc^cy-holderihows ata glance exactly what he is entitled to if he
discontinues his payments at any time.
What if Has Done.
The Company Has Paid over Two Hundred Death Claims, in con
sequence of this law, aggregating in sums insured more than Four
Hundred Thousand Dollars.
In every case there had been a default in *he payment of pre
nium, and, except for this law, the policies would have been of little
)r no value. Instead of 'his, the insurance in each case was extended
o the time of death, and tilt Company was required to pay to the
)eneficiaries under the policies the sum of $418,335.77.
f&e Un o? li Lai Elusions as Comparen
WITH ZF-AJTID-TTIF YAL'TES.
It is the custom of many companies to provide in their policies
liar, upon discontinuance of payment of Premium, paid-up policies
ill be given, without the option of extension. This was the practice
f the Union Mutual before the Maine Non-Forfeiture Law-was en
cted, but it now substitutes for paid-up values the more advantage
ns plan of extended insurance. The objection to the paid-up system
i that the amount of paid-up insurance which is given upon the dis
mtinuance of payments upon a policy, unless it has been in force a
reat many years, is insignificant, and of little or no value as protec
on ; and it leaves the insured who ceases payment without adequate
isurance at the very time he needs it the most.
The great advantage of the extended insurance afforded by the
aine Lau er the most liberal paid-up system is strikingly shown by
e following comparison, and it will be observed that the paid-up
,lue is insignificant in comparison with the amount actually paid by
e Union Mutual. The result of two hundred and twelve policies
is this:
the insured had received paid-up policies instead of ex
tended insurance, the Company would have had to
pay in settlement of the claims only. $98,197.50
hereas, in fact, it did pay under the Maine Law, $4is'344.77
iking a difference in favor of the beneficiaries under Two
Hundred and Twelve policiei of $320,147.28
The policies are free from all restrictions, and incontestible after
3 NE YEAR.
A grace of one month is given in the payment of premiums.
For further information call on, or address,
B. B. EVANS,
anager for South Carolina,
Office, No. 1, Advertiser Building,
?IDCMESFIESI-ilD, - S?. O.